OFG (OFG Bancorp) 1-Year Sharpe Ratio: 0.55 (As of Jul. 10, 2026)


OFG OFG Bancorp OFG
78 GF Score
Price $49.35
GF Value $43.73
Valuation Modestly Overvalued
! 6 Warning Signs
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What is OFG Bancorp 1-Year Sharpe Ratio?

OFG Bancorp OFG -0.58% 78 1-Year Sharpe Ratio is 0.55 as of Jul. 10, 2026. GuruFocus rates OFG with a GF Score™ of 78/100 and a GF Value™ of $43.73 (Modestly Overvalued). The stock has 6 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-10), OFG Bancorp's 1-Year Sharpe Ratio is 0.55.

OFG Bancorp  (NYSE:OFG) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

OFG Bancorp 1-Year Sharpe Ratio Related Terms

OFG vs FCF, NBHC, STEL: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, OFG Bancorp's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

OFG Bancorp 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, OFG Bancorp's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where OFG Bancorp's 1-Year Sharpe Ratio falls into.


OFG
78GF Score
OFG Bancorp OFG
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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OFG Bancorp 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 0.55 mean?
OFG Bancorp (OFG) has a 1-Year Sharpe Ratio of 0.55 as of Jul. 10, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for OFG Bancorp and its competitors.
Is OFG Bancorp's 1-Year Sharpe Ratio too high?
OFG Bancorp's current 1-Year Sharpe Ratio is 0.55. Overall, OFG Bancorp has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OFG Bancorp's 1-Year Sharpe Ratio compare to FCF and NBHC?
OFG Bancorp's 1-Year Sharpe Ratio of 0.55 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for OFG Bancorp and its competitors. OFG Bancorp's current 1-Year Sharpe Ratio is 0.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OFG Bancorp stock overvalued right now?
Based on GuruFocus' analysis, OFG Bancorp (OFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $43.73, compared to a current price of $49.35 — trading 12.9% above its estimated fair value. The current 1-Year Sharpe Ratio is 0.55. OFG Bancorp's overall GF Score™ is 78/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For OFG Bancorp (OFG), the current 1-Year Sharpe Ratio is 0.55 as of Jul. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OFG Bancorp (OFG) Overvalued in 2026?

Based on GuruFocus' analysis, OFG Bancorp stock appears to be overvalued. The current stock price of $49.35 is trading 12.9% above its estimated GF Value™ of $43.73. GuruFocus considers OFG Bancorp to be Modestly Overvalued.

Key valuation signals for OFG:

  • 1-Year Sharpe Ratio: 0.55
  • GF Value™: $43.73 vs. price of $49.35 (12.9% above fair value)
  • GF Score™: 78/100 with 6 warning signs

No single metric tells the full story. See the OFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OFG Bancorp Business Description

Other Exchanges OFP:Germany
Address 254 Munoz Rivera Avenue, San Juan, PRI, 00918
OFG Bancorp is a financial holding company, through its subsidiaries provides banking and financial services. It operates through three segments namely Banking, Wealth Management, and Treasury. It serves to clients such as commercial, consumer, auto, and mortgage lending, checking and savings accounts, financial planning, insurance, financial services, and investment brokerage, and corporate and individual trust and retirement services. The company derives maximum revenue from Banking Segment. It provides services in the region of Puerto Rico.
78GF Score

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1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$49.35
Price
$43.73
GF Value